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Student Travel Insurance
Studying abroad is a dream come true for many students as it opens millions of opportunities for them to explore and carve a niche in their careers. It is a life-changing decision and brings many expectations, fun and lessons for life. However, leaving one’s family and friends behind and living in a faraway land for the sake of your career isn’t easy. With all the joys and jubilation comes a decent amount of risk, like medical emergency, study disruption, loss of documents or other unfortunate events. This is why getting a student travel insurance policy is essential to secure your stay if you are planning to study abroad.
So, if you wish to go to a foreign country to pursue higher studies, the right International travel insurance can help you get ready to face any challenge that might disrupt your stay. A student travel insurance policy is a simple and affordable way to get coverage for your stay in an unfamiliar country. Even when you are thousands of miles away from home, you have the peace of mind that, in case of a problem, you have someone to rely on.
So, once you shortlist the programme, the university and the country of your choice, select the right student travel insurance policy to give you the requisite support during your stay. HDFC ERGO offers a Student Overseas Travel Insurance Plan, which seamlessly covers medical expenses, stay disruption baggage-related and travel-related risks.
Benefits of Student Travel Insurance Policy
Let us explore some of the benefits that you can expect with your student travel plan:
Medical expenses
You're covered for hospitalization, room rent, OPD treatment, and Road Ambulance costs. It also reimburses expenses incurred on Emergency Medical Evacuation, Medical Repatriation and Repatriation of mortal remains.
Personal liabilities
In a foreign country finding yourself responsible for causing damage to a third party can be scary. worry not, your policy will save you.
Baggage Loss
If you lose, your checked-in baggage, the travel insurance company will compensate you so that your travel plans are not derailed
Medical evacuation
In case of a medical emergency where local treatment isn’t sufficient, we provide coverage for emergency evacuation. Whether by air or surface transport, we ensure you reach your country of residence.
Assurance
For parents back home, knowing someone will be there when their child needs them.
Why Do You Need a Student Travel Insurance Plan?
When you plan to study abroad, international student travel insurance is something you just cannot miss. Wondering why? Read on:
It is a Mandatory requirement
While student travel insurance acts as a financial safety net, it’s also a mandatory requirement for students studying abroad in many countries. You may need it to be eligible for the visa.
Safeguards medical emergencies
Healthcare abroad is expensive, and a simple visit to the doctor can cost a fortune. The right travel insurance covers medical expenses, hospitalisation, and even emergency evacuation. This ensures that unexpected health issues do not burden students.
It covers you for travel risks
Travelling internationally comes with its own set of risks. Flight delays, loss of luggage or medical emergencies can be a nightmare. Travel insurance provides financial compensation, helping you handle such situations smoothly.
Safeguard Study Interruptions
In case of emergencies like a family crisis or health issues, insurance reimburses your tuition fees that are paid in advance if studies get disrupted.
Financial Assistance
Unforeseen incidents like accidents, legal issues, or interruptions in studies due to emergencies can derail your plans. With the right international student travel insurance policy you get to cover these contingencies.
Peace Of Mind
Parents and other family members back home in India can rest assured, knowing their child is protected against uncertainties in a foreign land.
What Does HDFC ERGO International Student Travel Insurance Policy Cover?
A Medical Emergency
Studying abroad is an exciting adventure, but unexpected health issues can quickly turn into financial stress. If you face sudden illness or an accident requiring hospitalisation, our student travel insurance ensures you receive cashless medical treatment at our extensive network of hospitals.
Dental Expenses
Dental pain can be sudden and excruciating, making it difficult to focus on your studies. If you suffer an injury to your teeth or experience acute dental pain, our plan covers the cost of necessary dental treatment, helping you maintain that confident smile without financial worries.
Evacuation
In case of a medical emergency where local treatment isn’t sufficient, we provide coverage for emergency evacuation. Whether by air or surface transport, we ensure you reach the nearest medical facility.
Repatriation of Mortal Remains
In the unfortunate event of a student’s passing, we take care of the costs associated with transporting the mortal remains back to their home country.
Accidental Death
If an unfortunate accident leads to the loss of life, our international student travel insurance provides a lump sum compensation to the nominee. This offers financial support to the family in such tragic circumstances.
Permanent Total Disability
If an accident results in permanent disablement, we provide a lump sum payout to help ease financial burdens.
Personal Liability
Accidents happen, and sometimes, you might unintentionally cause damage to third-party property or be held liable for an accident.
Bail Bond
If you are arrested or detained for a bailable offence, we step in to cover the bail amount, helping you navigate legal difficulties with ease.
Sponsor Protection
If your education sponsor meets with an untimely demise, we provide reimbursement for the remaining tuition fees.
Study Interruption
Your education is an important investment. A prolonged hospitalisation or the passing of an immediate family member can disrupt your studies. Our policy refunds tuition fees in such cases.
Compassionate Visit
Being hospitalised for an extended period can be emotionally challenging. In such a scenario, we cover the travel expenses of an immediate family member to visit you if you are hospitalised for more than seven days.
Loss of Passport
Losing an important document like your passport can be a nightmare. Our insurance covers the cost of obtaining a new passport, so you can continue your studies without unnecessary delays.
Loss of Checked Baggage
Losing your luggage in a foreign country can be incredibly frustrating. We will ensure that you are compensated for the loss, allowing you to replace your important belongings.
Delay of Checked Baggage
If your baggage is delayed, you don’t have to start your student life unprepared. We cover the cost of emergency essentials, so you can attend your classes with confidence.
The above mentioned coverage may not be available in some of our Travel plans. Please read the policy wordings, brochure and prospectus to know more about our travel insurance plan.
What Does HDFC ERGO’s International Student Travel Insurance Policy Not Cover?
Breach of Law
If an illness or injury occurs as a result of engaging in unlawful activities or due to a war-related incident, our policy does not cover the medical expenses.
Consumption of Intoxicant substances
If you require medical assistance due to substance use, your claim will not be considered under this policy.
Pre-existing diseases
Student travel insurance typically does not extend coverage to any complications arising from pre-existing diseases. It is always advisable to check for separate coverage options for ongoing medical conditions before travelling.
Cosmetic and Obesity Treatment
Elective procedures such as cosmetic surgeries and obesity treatments do not fall under our policy.
Self Inflicted Injury
Mental health is important, and if you're struggling, seeking professional help is highly encouraged. However, any medical expenses resulting from self-harm or suicide attempts are not covered under the policy.
Adventure Sports
If you sustain injuries while participating in extreme or adventure sports, the policy will not provide financial coverage for medical treatment.
Key Features of Student Travel Insurance Policy
Studying abroad is an adventure of a lifetime. It also comes with its own set of uncertainties. Thus, when going to a foreign land, you would want to invest in the most sought-after student travel insurance. And why not, from safeguarding you against unexpected medical expenses to covering your personal belongings, comprehensive coverage can help you focus on completing your studies without the stress of unforeseen hiccups.
HDFC ERGO offers student travel insurance plans tailored to your specific needs. We believe that being prepared can make all the difference between a smooth academic journey and an expensive ordeal! Here’s why you should consider International Student Travel Insurance:
| Key Features | Benefits |
|---|---|
| Comprehensive coverage | Student travel insurance is designed to provide financial security for a range of risks to students studying abroad. |
| Medical coverage | Student travel insurance covers diagnostic tests, hospitalisation and even dental treatments in case of unforeseen health issues or accidents. |
| Personal liability | Accidental damage to third-party property or causing injury to someone else could lead to significant financial liabilities. |
| loss of passport and checked in baggage | If your luggage or passport is lost or delayed, the insurance plan covers the cost of essential replacements. |
| Visits from family in case of an emergency | Being alone in a foreign place when you are unwell can be physically and emotionally difficult. In such a time, a compassionate visit is compensated for, when the insured is hospitalised for more than a week. |
| No interruptions in studies | Your student travel insurance policy will safeguard you in case your studies are interrupted due to familial or medical reasons. |
When Is Student Travel Insurance Required?
Student travel insurance India plays an important role for every aspiring student who wishes to study abroad.
1. When it is mandated in the country you are going to
In most countries, it’s often a necessity for students studying abroad to have student travel insurance. Similarly, some universities require proof of insurance for medical coverage as part of their enrollment criteria.
2. When you want the travel to be covered
When travelling, you might face challenges such as delays or lost baggage even before you begin your journey. Travel insurance ensures you’re covered for these hiccups right from the start.
3. When your education gets disrupted
Unexpected events such as illness, political unrest, or family emergencies may force you to interrupt your studies. The right kind of insurance can provide compensation for unused tuition fees, helping you navigate the situation smoothly.
4. When you need to take care of legal troubles
A lawsuit in a foreign country can be a nightmare. In case of legal liability for accidental damages to a third party, your student travel insurance comes to rescue.
5. When you want to ensure peace of mind for the parents
Travel insurance provides financial security in case of unexpected situations, and the parents have assurance that in case things become difficult, their child will be taken care of.
Simply put, having student travel insurance from India is required whenever there’s a possibility of financial or physical risk during your academic journey abroad.
Top Study Destinations
If you are still exploring the idea of pursuing your higher studies at an international university, you need to make an informed decision about the study destination. Also, keep in mind that most colleges and universities across the globe have mandated student medical travel insurance.
United States of America
Want to live the American dream? Then studying in an American university would surely be on your list. Institutions like Stanford University, Harvard University, Massachusetts Institute of Technology, and University of Chicago give your academics as well as career an excellent platform.
Germany
Many universities in Germany are becoming increasingly popular among Indian students. As compared to many other countries, Germany offers much more affordable educational programmes and professional opportunities.
Spain
Spain is indeed considered to be a great option for high-quality education. Known for versatile and affordable programmes, institutes such as Universitat Autònoma de Barcelona, Universitat de Barcelona, and the Complutense University of Madrid are attractive options for many.
Australia
Known for its prestigious universities, such as The University of Melbourne, The Australian National University, and The University of Sydney, are known for their academic programmes and after-study placements. Australia offers a multicultural environment, and its visa policies are quite favourable.
United Kingdom
The UK has long been a hub for international education. World-class universities like Oxford, Cambridge, University College London and the University of Edinburgh are dream study destinations for Indian students.
Singapore
Singapore offers you a blend of excellent education along with rich cultural experiences. National University of Singapore and the Nanyang Technological University are some popular options.
Eligibility Criteria for Overseas Student Travel Insurance
There is a simple and straightforward eligibility criteria that you need to follow when you apply for international student travel insurance. Typically, an Indian student who is between the age group of 16 and 35 years is eligible to buy student travel insurance. Depending on the type of plan you choose, the policy duration can be between 30 days to 2 years. In most cases, there is no pre-policy medical test required before you buy international student travel insurance.
International Travel Insurance for Most Visited Countries
Take your pick from the options below, so you can be better prepared for your trip to a foreign country
Wherever you choose to pursue your overseas education, we will cover you!
Worldwide, excluding the USA and Canada
Found your dream course in a remote part of the world? We have got you covered with a travel insurance plan that is customised for students. So, you can always keep your physical and mental health a priority.
Worldwide coverage
The world is your classroom! Find your calling and walk towards it with a course anywhere in the world as we protect and secure you and your belongings worldwide so you can kick start your learning journey, no matter where
you are.
From takeoff to graduation- we've got you covered every step of the way! Secure your journey now with International Student Travel Insurance
List Of Countries Where Travel Insurance Is Mandatory
Here are some of the countries that require mandatory overseas travel insurance: This is an indicative list. It is advisable to check each country’s visa requirement independently before travel.
Schengen countries
- France
- Spain
- Belgium
- Austria
- Italy
- Sweden
- Lithuania
- Germany
- the Netherlands
- Poland
- Finland
- Norway
- Malta
- Portugal
- Switzerland
- Estonia
- Denmark
- Greece
- Iceland
- Slovakia
- Czechia
- Hungary
- Latvia
- Slovenia
- Liechtenstein and Luxembourg
Other countries
- Cuba
- Ecuador
- Iran
- Turkey
- Morocco
- Thailand
- UAE
- Togo
- Algeria
- Romania
- Croatia
- Moldova
- Georgia
- Aruba
- Cambodia
- Lebanon
- Seychelles
- Antarctica
Source: VisaGuide.World
Hear from Our happy customers
JAGRATI DAHIYA
STUDENT SURAKSHA OVERSEAS TRAVEL
10 Sep 2021
Happy with the service
Vaidyanathan Ganesan
my:Single trip Travel insurance
05 Jul 2019
I have seen few of the insurance policies before deciding to choose HDFC insurance as my life partner. One of the interesting part is monthly-autodeduction from my card as well as it sends the reminder before the due date. The app developed is also so friendly to use and gives me a better experience compared to other insurance company.
SAKSHI ARORA
my:Single trip Travel insurance
05 Jul 2019
Pros: - excellent pricing: quotes from other insurers during past three-four years have been always 50-100% higher including all possible discounts and membership benefits - excellent service: choice of billing, payment, documentation options - excellent customer service: newsletters, prompt and professional replies from the representatives Cons: - none till now
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Frequently Asked Questions
1. Is there any age limit to purchase Student Travel Insurance by HDFC ERGO?
Students between 16 to 35 years planning to study abroad can purchase the policy.
2. I am going for a short term course of 6 months. Can I buy student travel insurance?
Yes, the policy provides worldwide cover from 30 days to 2 years.
3. Under the student travel policy if the policy is issued for 2 years, is the sum insured applicable on an yearly basis or over all?
The coverage is for the entire policy duration.
4. If a student is already abroad can he/she buy Student travel policy?
No. Your policy start date & purchase date cannot be later than your trip commencement date.
5. Can I buy student travel policy if I declare Pre-existing Disease?
Yes, you can buy student travel insurance if you declare pre-existing disease. However, policy excludes medical expenses due to pre-existing disease condition.
6. What do we cover under sponsor protection under student travel?
In case of accidental death of the sponsor, tuition period for the remaining period will be reimbursed up to the max limit as mentioned in the policy schedule.
7. What is covered under study interruption?
In case your study gets interrupted due to prolonged hospitalisation of more than a month due to injury or sickness, or due to accidental death of the sponsor, thereby leading to discountinuation of studies for the remaining semester, then the advance tuition fees paid to the educational institution will be reimbursed minus actual refunds.
8. What is covered under compassionate visit?
In case the insured gets hospitalised for more than 7 consecutive days, and no adult family member is present to attend to him/her, the company will arrange round trip economy class air ticket for one immediate family member. This is upon confirmation from our panel doctor that a companion is required attend to him/her.
9. I already have a student travel insurance for one year can I extend it further since I intend to take up another course in the same
university?
You can extend the policy multiple times upto 2 years from the initial policy start date.
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